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Side-by-side

Bilt Blue vs Chase Sapphire Reserve

Both are travel travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the Chase Sapphire Reserve from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Sapphire Reserve is the stronger pick today, the sign-up bonus is meaningfully larger ($1,900 more in estimated value) than the Bilt Blue's. Get the Chase Sapphire Reserve first; revisit the Bilt Blue after you've earned that bonus.

FeatureBilt BlueChase Sapphire Reserve
Annual fee$0$795
Sign-up bonus$100 Bilt Cash100,000 points
Bonus value (est.)$100$2,000
Min spend to unlock bonus$0 in 0 mo$6,000 in 3 mo
IssuerColumn N.A.Chase
Card categorytraveltravel
Best earning category (Lyft)3x1x
Transfer partnersbiltchase-ur
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • $300 annual travel credit
  • 8x on Chase Travel
  • 4x on flights & hotels booked direct
  • $500 The Edit hotel credit
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
Chase Sapphire Reserve
$795/yr · 100,000 points

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026. 1X base earn on everything else, with 3X on Lyft, up to 4X at Bilt dining partners, and 3X hotels / 2X flights through the Bilt Travel portal. Best for renters who want the no-fee anchor plus full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day doubles everyday earn on the 1st up to 1,000 bonus points.

Editorial take: Chase Sapphire Reserve

Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Chase Sapphire Reserve?
The Chase Sapphire Reserve has the bigger bonus, 100,000 points, worth roughly $2,000, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Bilt Blue's $0 annual fee worth it compared to the Chase Sapphire Reserve?
The Bilt Blue has no annual fee, so the question is whether the Chase Sapphire Reserve's $795 fee is justified by its perks. If you'll use enough of the Chase Sapphire Reserve's benefits to clear $795 in value annually, it's worth it; otherwise stick with the Bilt Blue.
Can I have both the Bilt Blue and Chase Sapphire Reserve?
Yes, since they're from different issuers (Column N.A. and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Bilt Blue or the Chase Sapphire Reserve first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Chase Sapphire Reserve: $6,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.